9902 Bethel Rd, Frederick, MD 21702 Property Records

Frederick County property record for 9902 Bethel Rd, Frederick, MD 21702

Property Summary

Property Type	Rural Home
Details	4 ba · 2,987 sqft · built 2018
Lot Size	60.7 acres (2,648,012 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Feb 2011)
Tax Bill	$6,746 (2023)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-391510`

Property Details

APN / Parcel Number

Primary APN	`20-391510`
Alternative APN	`391510`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,987 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,648,012 sqft (60.7 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Shed	1 Shed
Shed Area	1,920 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	391510
Street Address	9902 BETHEL RD
City	FREDERICK
State	MD
Zip	21702-1812
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	60.79 ACRES E&W/S PUTMAN ROAD
Legal Subdivision	TIMBER VIEW SEC 01
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	20, LEWISTOWN
Census Block Group	1
Census Block	1041
Census Tract	751302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

9902 Bethel Rd, a rural home, is owned and occupied by two individuals who bought it in February 2011.

Source: Frederick County records, as of September 25, 2023

Owner of Record	2 Individual Names on File
Mailing Address	9902 BETHEL RD, FREDERICK, MD 21702-1812
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 12, 2018	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCE CO
Aug 24, 2017	Trustee's Deed, Construction Loan · Line of Credit FREDERICK CNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2011 · Amount on File
Deed Sale	Feb 1, 2011 · Amount on File
Deed Document Number	110493
Deed Book / Page	8223 / 27
Record Updated	Jun 7, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9902 BETHEL RD, FREDERICK, MD 21702-1812
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132970150
Date	Oct 24, 2019
Book Page	13297/0150

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9902 BETHEL RD, FREDERICK, MD 21702-1812
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127510304
Date	Dec 12, 2018
Book Page	12751/0304

Lender

Name	CARDINAL FINANCE CO
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 24, 2017
Property Address	9902 BETHEL RD, FREDERICK, MD 21702-1812
Document Number	0119950225
Book / Page	011995 / 000225
Instrument Date	Aug 22, 2017
Transaction Type	Construction Loan
Record Updated	Oct 19, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9033 ALLINGTON MANOR CIR W FREDERICK MD 217032843, FREDERICK, MD 21703-2843

Mortgage

Document Number	119950225
Date	Aug 24, 2017
Book Page	011995/000225

Lender

Name	FREDERICK CNTY BK
Type	Bank
Address	FREDERICK, MD 21702

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,746.00	$623,867	$761,600 Land $144,800 Building $616,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9902 Bethel Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2003–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 9902 Bethel Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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